Zamkati
- 1. Kambiranani zolinga zanu zandalama komanso zomwe mumayendera
- 2. Chepetsani kapena, ngati n'kotheka, chotsani ngongole
- 3. Sankhani mwanzeru ndalama
- 4. Yambitsani thumba ladzidzidzi tsopano
- 5. Onetsetsani tsogolo la banja lanu
- 6. Konzekerani ntchito yanu
- 7. Khalani okonzeka kukonza zakunyumba koyambirira
Amati, "Ndalama sizingakugule, chikondi ..."
Koma zitha kusokoneza ubale wanu.
Mabanja ambiri amayamba banja lawo ngati loto, kenako nkuzunzidwa ndikuphwanyidwa ndi mavuto azachuma pamapeto pake.
Ndi chowonadi chankhanza komanso chomvetsa chisoni, koma kusayendetsa bwino ndalama kapena kusintha kwachuma mukakwatirana zitha kuyambitsa mikangano mchibwenzi chanu.
American Psychological Association (APA) inanena kuti pafupifupi munthu mmodzi mwa anthu atatu alionse achikulire omwe ali ndi zibwenzi amatchula ndalama monga vuto lalikulu muubwenzi wawo.
Vomerezani kapena ayi, Kukhazikika kwachuma ndichofunikira kwambiri kuti banja likhale lalitali komanso losangalala, ndichifukwa chake maanja akuyenera kugwirira ntchito limodzi pokonzekera ndikupeza tsogolo lawo lazachuma.
Kuchokera pazokambirana zandalama pokonzekera kukonza malo, nazi ndalama zingapo zothandiza ndi maupangiri okwatirana okuthandizani kuti muyambe kukonzekera zamabanja:
1. Kambiranani zolinga zanu zandalama komanso zomwe mumayendera
Kuyankhula za ndalama ndikukwatiwa ndi anthu ena kumakhala kovuta, ngakhale "anthu ena" amenewo ndi okondedwa anu.
Ngakhale nonse muli ndi zolinga zandalama zambiri komanso zokwatirana - kugula nyumba, kupuma pantchito, kapena thumba la ana anu aku koleji, mutha kukhala ndi malingaliro osiyanasiyana pamaganizidwe anu pazomwe mungakwaniritse.
Komanso, chifukwa choti ndinu okwatirana sizitanthauza kuti mulibenso zolinga za ndalama.
Izi ndi zomwe mungasiyanitse pankhani zachuma ndizo zifukwa zazikulu zomwe muyenera kukambirana pafupipafupi kuti mulimbitse ubale wanu ndikuwona komwe mumayimilira.
Kusiya zinthu osanenedwa kungangokuyambitsani mavuto ndi kusamvana mtsogolo.
2. Chepetsani kapena, ngati n'kotheka, chotsani ngongole
Kuchotsa ngongole ndiye njira yachangu kwambiri yopezera ndalama. Koma ndani alibe ngongole masiku ano, sichoncho?
Komabe, monga gawo lakapangidwe ka banja lanu, inu ndi mnzanu muyenera kuyesetsa kuchepetsa ngongole zanu momwe mungathere - kuyambira ndi kirediti kadi yanu.
Ngati mungathe, perekani ma kirediti kadi mwezi uliwonse, osati ochepa okha, kuti muchepetse chiwongola dzanja.
Ngongole za nthawi ndi zolipiritsa zimakhudza kwambiri ngongole yanu, chifukwa chake, chuma chanu.
3. Sankhani mwanzeru ndalama
Zomwe zimakopa mwayi wopeza mwayi wowoneka ngati wopindulitsa nthawi yomweyo, muyenera kuphunzira kugwira mahatchi anu ndikufufuza kaye.
Upangiri wina wazachuma kwa maanja ndikuti muzikumbukira pankhani zachuma ndikuti nthawi zambiri zimakhala bwino kuganizira za nthawi yayitali ndikukhala ndi mbiri yabwino kuposa kutsatira zomwe zachitika posachedwa.
Komanso, osayika mazira anu mudengu limodzi.
Kugawa zinthu zanu kumatha kukulitsa chiwongola dzanja chanu. Mlangizi waluso akhoza kukuthandizani posankha kuphatikiza zinthu zomwe zingakuthandizeni kukwaniritsa zolinga zanu.
4. Yambitsani thumba ladzidzidzi tsopano
Moyo uli ndi njira yoponyera ma curveball pomwe simukuyembekezera, ndichifukwa chake inu ndi mnzanu mumafunikira buku logwirira ntchito zandalama pazovuta zilizonse zomwe zikubwera.
Mmodzi wa inu atha kukhala kuti wataya ntchito mwadzidzidzi, kapena mwana wanu akufunikira thandizo lachipatala mwachangu.
Kaya ndi chiyani, kukhala ndi thumba ladzidzidzi kumakuthandizani kuti musakhale ndi ngongole zina pakagwa chinthu china chosayembekezereka ndikukuyipirani ndalama.
Momwemo, thumba lanu ladzidzidzi liyenera kukhala lokwanira kulipirira ndalama zomwe banja lanu limagwiritsa ntchito kwa miyezi itatu kapena isanu ndi umodzi. Sungani ndalamazo pa akaunti yapadera kuti mupewe kuzigwiritsa ntchito pazinthu zina kupatula zoopsa.
5. Onetsetsani tsogolo la banja lanu
Bwanji ngati chinachake chikukuchitikirani? Kodi banja lanu lidzakhala lopanda ndalama?
Zikafika poteteza tsogolo la banja lanu, palibe chomwe chimapambana kukhala ndi inshuwaransi yoyenera komanso yokwanira.
Ma inshuwaransi atha kukupatsani inu ndi banja lanu ndalama zachitetezo kuti mupulumuke zoopsa kapena zosayembekezereka m'moyo.
Mwinanso mungafune kuganizira maambulera anu pamwamba pa inshuwaransi ya moyo wanu kapena inshuwaransi ya olumala kuti mutetezedwe.
Kumbukirani, komabe, kuti inshuwaransi yanu ingasinthe pakapita nthawi. Unikeninso ndi mlangizi zaka zisanu kapena khumi zilizonse kapena nthawi iliyonse pakafunika zochitika zazikulu m'moyo.
6. Konzekerani ntchito yanu
Ndikosavuta kuyiwala zakupuma pantchito chifukwa zikuwoneka ngati zili kutali kwambiri. Koma ngati simukufuna kupitiriza kugwira ntchito mpaka mutakwanitsa zaka 70 chifukwa simunasunge ndalama zokwanira, mungachite bwino kuyamba kukonzekera zandalama mukapuma pantchito mukadali achichepere.
Malinga ndi akatswiri, muyenera osachepera perekani 15% ya ndalama zanu pantchito yopuma pantchito.
Inu ndi mnzanuyo mutha kusunga ndalamazo mu akaunti yodziyimira pawokha yopuma pantchito (IRA) kapena kupereka 401 (k) yothandizidwa ndi wantchito wanu.
401 (k) nthawi zambiri imakhala yabwino kwambiri kubetcha ngati mungapeze. Olemba ntchito anu adzafanana ndi zomwe mwapereka mpaka gawo lina, zomwe zikutanthauza ndalama zochulukirapo pantchito yanu!
Komanso, onerani vidiyo yotsatirayi pomwe anthu okwatirana akufotokoza momwe adakwanitsira kuphatikiza ndalama zawo.
7. Khalani okonzeka kukonza zakunyumba koyambirira
Muyenera kukhala ndi chifuniro, kaya muli ndi ana kapena ayi. Mukuwona, ngati mumwalira popanda chifuniro, khothi limagamula momwe lingagawire katundu wanu ndipo lingagawane motsutsana ndi zofuna zanu kapena za abale anu.
Simuyenera kukhala olemera mopitilira muyeso kapena kupeza ndalama zambiri kuti muyambe kukonza mapulani.
Zida zakapangidwe kazinthu monga ma will, ma trasti, ndi inshuwaransi ya moyo zitha kuteteza banja lanu ndi katundu wanu mukadzatha.
Pali, komabe, pali zinthu zambiri zofunika kuziganizira popanga chifuniro kapena dongosolo la nyumba. Chifukwa chake, muli ndi chidwi chambiri kupeza upangiri waluso ndi zamisonkho, makamaka kuchokera kwa loya wodziwa bwino zakukonza nyumba.
Kukonzekera malo ndi njira yopitilira yomwe imafunika kusinthidwa kuti iwonetse kusintha kulikonse mu ndalama zanu ndi banja lanu.
Kuyambitsa njira kumayambiriro kwa banja lanu kungapatse inu ndi mnzanu chitetezo ndi mtendere wamalingaliro womwe mungafune kuti mukhale ndi banja losangalala.